MBaer Merchant Bank AG reserves the right to change, supplement or delete the contents of the website and these provisions in whole or in part at any time at its discretion. The same applies to improvements and/or changes to the information and/or products and services described. Please check these terms and conditions at regular intervals for any changes. If you continue to use the www.mbaerbank.com website after any changes to this information have been published, you will be deemed to have agreed to the changes.

Terms and conditions of use

This website is not intended for natural or legal persons who on account of their nationality and/or residence/registered office or for other reasons are subject to a legal system which generally prohibits or restricts the publication of the content or the cross-border activity of a foreign financial institution. In particular, the offering of MBaer Merchant Bank AG is not directed at persons domiciled in the United States, Canada, the UK or Germany.

Before purchasing financial instruments or investment services, we recommend that you discuss this in detail with your investment advisor. In particular, the chosen investment strategy must be consistent with your stated investment objectives, your stated risk tolerance and your financial circumstances. You can obtain further information from your advisor. Tax treatment depends on your personal circumstances and may be subject to change.

The content published on this website is provided solely for information purposes and for investors domiciled in Switzerland. It does not constitute an offer or a recommendation to purchase investment instruments and does not release recipients from making their own assessment and decisions. The correctness, completeness and up-to-dateness of the information cannot be guaranteed. Historical performance is no guarantee of future results. An investment in fund units is associated with risks, in particular the risk of fluctuations in value and return. 

When redeeming fund units, investors may receive back less money than they originally invested. Investments in foreign currencies involve the additional risk that the foreign currency might lose value against the investor’s reference currency. 

Subscriptions for fund units are only valid on the basis of the current sales prospectus, the simplified prospectus or the key investor information, the Articles of Association and the latest annual report (or semi-annual report, if more recent). You can download these documents free of charge from www.fundinfo.com.

Exclusion of warranty and liability

MBaer Merchant Bank AG disclaims without limitation all liability for any loss or damage of any kind incurred by you or any third party as a result of accessing or using the website or any portion thereof, or any links to third-party websites. You visit the website and use the information it contains and any offers listed there at your own risk and responsibility.

Liability is excluded for internet failures of any kind (e.g. business interruptions, malfunctions, viruses, harmful components, etc.), misuse by third parties and loss of programs or other data in your IT system.

Linked websites

Some links on the website lead to third-party websites. These are outside the control of MBaer Merchant Bank AG. MBaer Merchant Bank AG therefore accepts no responsibility whatsoever for the accuracy, completeness or lawfulness of the content of such websites or for links to other websites, or for any offers, products and services contained on such websites. You use linked websites at your own risk.

Data protection declaration

Unless otherwise stated below, you are not contractually or legally required to provide personal information, nor is it necessary for the conclusion of a contract. You are not obliged to provide data. Not providing data has no consequences, unless specified otherwise in subsequent processing stages.
“Personal information” is any information relating to an identified or identifiable natural person.

Server logfiles

You can visit our websites without providing any personal information. Each time you access our website, usage data is transmitted via your web browser and stored in server log files. This stored data includes, for example, the name of the page accessed, the date and time of access, the amount of data transferred and the requesting provider. The sole purposes of this data are to ensure trouble-free operation of our website and to improve our services. It is not possible to attribute this data to a specific person.

Cookies

Our website uses cookies. Cookies are small text files that are stored in the web browser or by the web browser on a user’s computer system. When a user visits a website, a cookie may be stored on the user’s operating system. This cookie contains a typical string of characters that enables the browser to be uniquely identified when the website is accessed again. We use cookies to make our website more user-friendly, effective and secure. Furthermore, cookies enable our systems to recognise your browser, even after you have switched to another webpage, and to offer you services. Some functions of our website cannot be offered without the use of cookies. To enable these functions, the browser has to be identifiable after a change of webpage.

We also use cookies on our website because they allow us to analyse the surfing behaviour of our website visitors.

In addition, we use cookies so that we can subsequently appeal to visitors on other websites with targeted, interest-based advertising.

Data is processed in accordance with Art. 4 FADP based on a legitimate interest in relation to the above-mentioned purposes. The data collected from you in this way is pseudonymised technically. It is therefore not possible to attribute the data to you. Such data is not stored with any other personal data of yours. You have the right to object at any time to this processing of your personal data in accordance with Art. 4 FADP.

Cookies are stored on your computer, giving you full control over the use of cookies. By selecting the appropriate technical settings in your web browser, you can prevent cookies from being stored and the data they contain from being transmitted. Cookies that have already been stored can be deleted at any time. However, we would like to point out that in this case you may not be able to use all the functions of this website to their full extent. You can find out using the following links how to manage cookies in the most widely used browsers (including how to deactivate them):

Chrome: https://support.google.com/accounts/answer/61416?hl=en
Internet Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies
Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac

Duration of retention

After the contract has come to an end, the data will initially be retained for the duration of the warranty period, and then for the duration of the statutory retention period, in particular retention periods under tax or commercial law. It will be deleted after expiry of such period if you have not agreed to further processing and use.

Rights of affected persons

If the legal requirements are met, you have the following rights in accordance with Art. 4 FADP: right to access, right to rectification and erasure, right to restriction of processing and right to data portability.
In addition, Art. 4 FADP gives you the right to object to processing pursuant to Art. 4 FADP and to processing for the purpose of direct marketing.

Please do not hesitate to contact us. You will find the contact details on our contact page.

Automatic exchange of information

MBaer Merchant Bank AG is obliged to publish a list of all partner countries with which Switzerland has entered into an agreement on the automatic exchange of information. You can find an up-to-date list of these countries here:
https://www.sif.admin.ch/sif/en/home/multilateral/steuer_informationsaust/automatischer-informationsaustausch/automatischer-informationsaustausch1.html

Deposit insurance

Securities belong to our clients. The following applies to cash deposits: Like every bank and securities firm in Switzerland, MBaer Merchant Bank AG is obliged to sign the Agreement by Swiss Banks and Securities Dealers on Depositor Protection, and is therefore a member of esisuisse. Client deposits at Swiss branches of the bank are protected in the amount of up to CHF 100,000 per client, per bank. You will find all relevant information on the deposit insurance system at www.esisuisse.ch.